Turning Your Real Estate Business Into Your Retirement
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The document discusses ways to use real estate investments and cash flow to fund retirement. It outlines strategies like becoming a "mailbox landlord" and investing in REITs and TICs. It also provides an overview of various retirement plans like SEPs, SIMPLEs, and 401(k)s that can be sponsored or used. The document emphasizes diversifying investments to generate income in retirement through dividends, MLPs, REITs and more.
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Chances are, you think differently about compensation now than you did a few months ago. Let’s face it, COVID-19 made us think differently about a lot of things, did it not? And although you’ve survived the crisis so far, you recognize your pay strategy going forward probably needs to change.
But change how? Exactly what should be different?
This broadcast was created to help you answer that question. We recognize business leaders like you are struggling to determine how you can effectively reward performance in the new economy without creating the same financial vulnerabilities you’ve just lived through. We can think we can help.
10 Most Expensive Business Tax Mistakes
http://www.orlandotaxcoach.com/
Small business owners typically make these 10 tax related mistakes. Avoiding these mistakes all starts with proper tax planning including choosing the right business entity and maximizing your tax deductions.
Naf.seminar.09
The document provides an overview of financial planning, including the financial planning process, goals, and strategies. It discusses analyzing current financial resources and priorities, developing a personalized plan, implementing recommendations, and keeping the plan updated. It also addresses organizing personal finances through a net worth statement and budget, ways to increase net worth, and the impact of taxes on investments. The overall document serves as an introduction to financial planning concepts.
Tax Efficient Investing For Life
This document discusses tax efficient investing using Investors Group Corporate Class Inc. funds and Allegro Corporate Class Portfolios. It notes that these products allow investing outside of registered accounts while avoiding tax liabilities when rebalancing. A case study shows how using Corporate Class funds rather than traditional non-registered investments can lead to over $60,000 more in after-tax returns over 25 years. The document also discusses using Series T portfolios for tax efficient monthly payouts through return of capital distributions.
Tax Efficient Investing For Life
This document discusses tax efficient investing using Investors Group Corporate Class Inc. funds and Allegro Corporate Class Portfolios. It notes that these products allow investing outside of registered accounts while avoiding tax liabilities when rebalancing. A case study shows how using Corporate Class funds rather than traditional non-registered investments can lead to over $60,000 more in gains over 25 years due to tax deferral. It also describes using Series T portfolios for tax efficient monthly payouts through return of capital distributions.
Budget guidelines
A budget is a financial plan that outlines estimated revenues and expenditures. It provides a logical and realistic plan to identify and allocate limited resources. It is important to prevent overspending and monitor spending and revenue. To create a budget, one should consider goals, historical trends, current clients, new opportunities, and future market conditions. The budget should be discussed, modified if needed, and formally approved before the new year starts. Comparing actual results to the original budget allows an organization to see what it did compared to what it planned to do.
Get to know what I do (Group Benefits/Group Investments)
I have uploaded this presentation to give business owners a better understanding of how we work with them on group benefits and group investments. It explains our added-value approach - implementing the plan plus working with employees on their personal financial planning needs. Enjoy!
Moelis company february investor pres_vfinal
The document provides an overview of Moelis & Company, an independent investment bank. It summarizes Moelis' global footprint with 19 locations, 124 managing directors with extensive experience, and record 2017 revenues of $685 million, up 12% from 2016. It highlights Moelis' differentiated partnership model, commitment to returning excess capital to shareholders, and strong balance sheet with no debt or goodwill. The document asserts that tax reform, an active M&A environment, and Moelis' model position it for significant franchise enhancement and shareholder value in 2018.
3 Pay Strategy Decisions Only the CEO Should Make
If you lead a business, you must treat your compensation plan as a strategic tool that can accelerate company growth. If you don’t, it can become a profit diluter and a drag on company performance.
With that in mind, we invite you to learn the 3 areas of strategic impact you should be having on your company’s pay design and development. We will discuss which compensation decisions only you should make and those that can be delegated to someone else.
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Clear View Wealth Advisors, LLC is a registered investment advisor with principal offices in Amesbury, MA and a branch office in Wilmington, MA. Steven J. Stanganelli is a certified financial planner professional and NAPFA-registered financial advisor at Clear View Wealth Advisors. Research from 2014 found that employee financial stress increased, with 23% reporting high or overwhelming stress compared to 18% in 2012 and 19% in 2011, marking the first rise in financial stress since the end of the Great Recession in 2009.
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The document discusses health care as a central issue in the 2012 US presidential election. It notes that Republicans argue the Affordable Care Act will increase costs and the deficit, while Democrats say benefits are already apparent and it will provide affordable care. A graphic shows health care is the second most important issue to voters after job creation. The rest of the document discusses the Supreme Court upholding the individual mandate and potential effects on different health care sectors.
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Welcome to the September 2011 edition of the ViewPoint Newsletter from Steve Stanganelli, CFP(R) of Clear View Wealth Advisors, a fee-only RIA located in Massachusetts. In this issue, retirement income planning, college funding strategies and tax tips for business owners and those going through divorce are shared.
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Paying for college is a retirement problem. But even late starters can use strategies to lower the cost of college through smart cash flow and tax tips. Saving on the cost of college is as important as saving for college. Understanding the financial aid system and the way the Expected Family Contribution works are key to spending less, saving more and having a decent retirement.
2011 06 ViewPoint Newsletter for June 2011
June 2011 newsletter of Steve Stanganelli, CFP(R) Professional and principal of Clear View Wealth Advisors, a fee only financial planning firm serving individuals in Massachusetts. In this issue, Steve discusses how to manage retirement income distributions, the role of dividend paying stocks in a balanced portfolio, college planning tools for late starters and tax tips for those who are getting divorced.
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Planning for retirement takes more than simply saving or a buy and hold approach to investing. This presentation provides practical tips on how to plan for your income needs and turn your portfolio into a sustainable cash flow machine. By using diversified portfolios that include alternative income sources, you can help protect your investments from inflation. By having a plan for withdrawing money, you can help protect yourself from running out of it.
2010 12 viewpoint 4 page newsletter
The document provides tips for retirees on managing retirement spending and income over the long term. It discusses the traditional "lifestyle approach" of pegging withdrawals to inflation each year and outlines its downfalls. It then introduces an "endowment spending" approach used by large institutions to determine annual spending. This approach combines the previous year's spending with a percentage of portfolio performance, allowing spending to tighten when markets are down to better sustain the portfolio. The document provides an example of how this approach could work using a 90/10 rule and argues it can help the portfolio last longer than the traditional approach.
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Steve Stanganelli, CFP(R) of Clear View Wealth Advisors, LLC, a registered investment adviser providing fee-only / fee-for-service financial planning and investment advice to Baby Boomers and retirees. Plan Well. Invest Smart. Live Better. Planning for Life.
Viewpoint Newsletter for November and December 2010
Investing for retirement requires planning income sources to replace wages after stopping work. Social Security, pensions, savings and continued work provide retirement income. Managing expenses and income sources carefully allows enjoying retirement as "the Next Act" without running out of money. Divorced spouses may receive Social Security benefits based on an ex-spouse's earnings after a 10-year marriage. Starting benefits at 62 requires being divorced for 2+ years even if not yet retired. Saving gifts for children in a 529, UGMA, EE bonds or dividend reinvestment plan allows money to grow for education or a nest egg.
Using Convertible Bonds to Protect Portfolios and Increase Income
Convertible bonds offer a way to enhance a traditional fixed income strategy or the potential to reduce exposure to volatile equity markets. Such a strategy can be used by investors of all risk profiles and is an ideal supplement for a core principal protected equity strategy for retirement income.
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In a litigious society, it is important to protect wealth. There are a variety of tools available including domestic asset protection trusts.
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- 1. Turning Your Real Estate Business Into Your Retirement Paycheck Using Real Estate to Fund Retirement Steve Stanganelli, CFP®, CRPC ® Fee-Only Financial Planner Amesbury & Wilmington 978-388-0020 / 978-621-8268 www.ClearViewWealthAdvisors.com
- 10. Diversify: Income in Retirement Steve Stanganelli/Clear View Wealth Advisors, 978-388-0020 “ Dividend Aristocrats” Index versus S&P 500 Index * Dividends Reinvested. Past performance does not guarantee future results. . Data from January 1, 1990 through September 30, 2009, annualized. Dividend Aristocrats Index S & P 500 Index Income Return 3.09% 2.30% Price Appreciation Return 7.88% 6.11% TOTAL RETURN 10.97%* 8.41%* Annualized Total Return Dividend Aristocrats S & P 500 Index 1990 – 1994 12.58% 10.40% 1995 – 1999 19.48% 28.54% 2000 – 2004 9.74% -2.29% 2005 – 2009 * 2.32% -0.80% 1990 – 2009 * 10.97% 8.41%
Editor's Notes
- Disadvantages: Less than max contributions Eligibility can increase total cost to employer Immediate vesting Creditor protection not as great as ERISA plans Contributions usually flat percentage